Subsidence is the lowering movement of the ground most easily noticed under buildings. Subsidence is completely natural and has a wide range of causes. These causes include long dry weather periods, high density of clay soil under a property, proximity to trees and shrubberies and depth of the foundation. Subsidence has negative effects on a property if it happens beneath and around a foundation.

The reason subsidence affects your property is due to its weakening of the properties structural integrity. Structural integrity is a very complex issue in property development and is dependant on materials used, property layout, soil mixture and natural or man-made damage.

A property needs to have a sound structural integrity to stop it from collapsing or otherwise breaking. This structural integrity is very reliant on the properties foundation. Most importantly any damage to the foundation drastically impacts the structural integrity and is the main factor for many structural issues.

Causes explained

I listed a wide range of causes earlier in the article without explanations as to why they cause subsidence. For example, I will explain why a properties proximity to trees and shrubberies can increase the chance of subsidence. Trees and shrubberies receive moisture from the earth to keep themselves healthy. This is a natural process, in times of hot weather the roots slowly move further out to find moisture.

This has two negative effects on a properties land, the first is a lack of moisture available in the soil causing slight contraction while the second effect is that roots may spread into the foundation. Roots embedding into foundations cause damage, this damage weakens the foundation even if very slightly. Any foundation damage can increase the risk of subsidence.

Signs of Subsidence

Natural damage happens to properties over time so when you notice that tiny crack in the floor under the sink don’t panic. Hiring a professional structural engineer to assess your property can be costly but worth the money if subsidence is caught early.

One of the common signs of subsidence is large cracks thicker than 4mm in length and diagonal. The crack must be visible both internally and externally and located close to a door or window. Other signs of subsidence door and window frame warp as well as wallpaper cracking in the corners of walls.

If you believe your house is damaged due to subsiding under the foundation make sure to contact your insurance company. Insurance companies, however, have a number of exclusions in their polices for these claims. These exclusions include poor-quality materials or damage due to construction. Finding out your entitlements is complex. Try appoint a public loss adjuster to handle your subsidence claim to ensure you receive your full entitlement

Public Loss Assessors are here to help the public, not to save the insurance company’s money. Public Loss Assessors battle with your insurers to ensure that you get the best settlement for your claim. We want the best for you, so we take into account all damaged property and belongings, so you are able to achieve the settlement fee that you need to restore everything damaged to its pre-loss state. we have a relentless battle with your insurance company to make sure you receive the full amount as quickly as possible so you can finally calm down and relax in your pre-accident house.

We have a wealth of experience in this industry – we have been in the industry since 1971, and we also have two senior partners who both have over 65 years of combined experience. When you hire Public Loss Assessors, you can be certain that you are in excellent hands – we know exactly how to handle your claim from start to finish.

If you have any questions or wish to know some of the things that Public Loss Assessors can do for you, then please visit the Public Loss Assessors Website or do not hesitate to call our friendly team, who will be more than happy to answer any of your questions on 0800 434 999.

What Public Loss Assessors Can Do For You

Public Loss Assessors will directly contact your insurer for you. We know how stressful this whole situation can be for you, so we try and make it as easy as possible for you. By directly speaking to your insurer for you, we ensure that the claim process is completed as soon as possible, and that you get the best settlement fee for your damaged property.
Public Loss Assessors’ service also comes completely free, provided that you choose one of our preferred contractors to see out your repair work. However, if you decide to choose another contractor to see out your repair work, or choose to take the cash sum for the settlement, then we will take 10% + VAT of this sum as payment for the services that we have provided.

At Public Loss Adjusters, we work for the policy holder, not for the insurance company. You can be certain that PLA will always put your best interests first. Public Loss Adjusters will handle your insurers directly for you, so there is no hassle for you and action is taken as quickly as possible so your property is returned back to its pre-loss state.

Public Loss Adjusters strive to be the best claims specialist on the market, so you can be confident we will always try our best to get what you deserve and keep you happy.

What Public Loss Adjusters Can Do For You?

Public Loss Adjusters can supply you with a class A loss adjusting service that ensures that you get the best settlement for your damaged property from your insurer. They also supply you with an extensive report when the damage has been done. Every bit of damage is accounted for to make sure that your insurer is made to pay the right amount of money so your property is returned back to pre-loss state.

We also provide a free loss adjusting service if you choose one of our provided contractor to see out your repair work. We also work on a no win no fee basis. We will talk to the insurance company directly for you to take some of the stress and hassle off your hands – because of our vast years of experience we know how to deal with the insurers for you. If you have any other questions you want to ask, then please visit our website at https://www.publiclossadjusters.com/ or call us on 08000 434 999.

Public Loss Adjusters will always put your interests first when dealing with these matters – when we contact your insurer, we will always keep you updated and only do what you feel is right while offering guidance. Making you happy and returning your home to its pre-loss state are our priorities when dealing with these cases, so you can be assured you are in extremely good hands when choosing Public Loss Adjusters.

Have you recently suffered fire or flood damage at your property in England, Scotland or Wales? Do you feel as though there isn’t many alternatives on offer to you besides the insurance companies? Well you no longer have to feel this way due to the Public Loss Adjusters opening a new fully operational offices throughout the UK.

Our high standard will be maintained throughout and we will still work solely for you with your best interests offer main priority.

At Public Loss Adjusters we can offer you a professional claims handling service, in which our specialist loss adjusters, who have decades of experience in dealing with claims, will take full control of all claiming procedures on your behalf.

If you are fully insured for property damages, Public Loss Adjusters can help you with all the required claiming procedures that are required for a successful claim and overtake them all on your behalf. We will take control of full negotiations with the company that you took your insurance policy out with and do a thorough examination of every aspect of your obtained insurance policy’s terms and conditions.

Additionally when we are performing the entire policy study, we will look out for the following specific points as well as many other points, to ensure they have been inserted into the claim documents so that your chances are of receiving a successful settlement are increased.

That your individual circumstances in terms of property damage are actually covered by the insurance policy that you have taken out with the insurance company.

That the amounts being claimed by you the claimer and the insurance company are accurate and fair to the situation.

That the maximum pay-out according to what is written up in your policy’s terms and conditions, covers the cost of damage and repair occurring,

That all items that have been damaged and involved in your property damage, have correctly included and documented in the claim proceeding paperwork.

Our claims professionals know that these above points are necessary to gain a successful result, as they have successfully managed and took control of every step of process numerous times in the past.

Finally, if you are in need of some help with a property claim and receive your full entitlement, get in touch with the highly skilled specialists at Public Loss Adjusters today.

Fire Restoration Company

Has your worst nightmare occurred? Has your home or business property been burnt out? Do you feel as though your livelihood has disappeared? Do you just want some degree of closure? If so, you need a trained fire damage repair expert, who works for a registered company/contractors, to help fully restore your property.

Furthermore, if you have a valid insurance policy our recommended fire damage restoration specialists can help you. They will firstly assess your property, and make reports in terms of the level of damage, cause of damage if not already determined, what’s been damaged by the fire and finally, what needs restoring inside and out of your property.

Additionally, when you thinking of who is appreciate to perform your fire restoration work, there is certain things you need to make sure you do before deciding;

Check and do research into whether or not, the trades people you are considering, have all or at least some of the following certificates/qualifications- CHAS, Safe Contractor, ALTUIS, NICEIC, OFTEC, Gas Safe and ROSPA; these will show they are people that know what they are doing in terms of fire damage repair.

Do general research into the company name or the trade individual’s name, to ensure they haven’t been known for anything unsatisfactory.

Look on the considered person’s/company’s website for testimonials of satisfied customers.

Once a detailed description of the damage occurring at your property, has been done by your chosen contractor, the restoration work can begin. Restoration work that is being done by a credited individual, should be given an appropriate/estimated time of completion. You should keep this original date/time documented and make sure work continues efficiently towards that estimation or else question the reasons.

Finally, when work is completed, you will be able to move or work back in your property as you know that the work will have been performed to the highest standard, due to the correct choice of contractor/s or individual/s, to complete your property’s fire restoration project.

As part of the Public Loss Adjusting Group Ltd, Public Loss Adjusters Scotland are members of the Chartered Institute of Loss Adjusters (CILA) and are fully authorised and regulated by the Financial Conduct Authority (FCA).

Our team of chartered loss adjusters Scotland and insurance claims management team will assist and guide you through the entire claims process from start to finish and can take care of meetings, the claim preparation and negotiation of the claim on your behalf.

Appointing your own chartered loss adjuster, Public Loss Adjusters Scotland, will ensure you are treated fairly and that you will achieve the best settlement available under your policy.
PLA’s mission statement is to “obtain 100% of what a policyholder is entitled to and no more” and we do exactly as we say. Having worked in the insurance industry since 1971, we are the only chartered loss adjusters and claims management company who work exclusively for you.
Public Loss Adjusters Scotland deal with claims arising from flood, fire, storm, theft and impact damage. PLA will work with you to act as your authorised representative and we will deal with the insurers and any other party on your behalf.

Insurance Claims Management Services at No Cost to You

Our insurance claims management team are able to work on a no-win-no-fee basis in most cases, if a valid claim is settled and the reinstatement of the building work is carried out by one of PLA’s approved warranted contractor suppliers.

You and your insurer don’t need to pay us any fees as our costs and fees are covered by the approved and authorised contractors and suppliers. If, however, you decide to accept a cash settlement following Public Loss Adjusters Scotland’s professional advice and management of the claim, then a fixed fee of 10% of the final settlement value of the reinstatement is due and payable. This is our fee for acting for you, and covers our professional services and costs, which would usually be covered by the contractors’ network arrangements.

After your home or business has sustained flooding, you will need to call a flood damage repair specialist as soon as possible. These specialists can minimise the damage sustained from flooding as they dry your home and sanitise it after flooding has caused contamination. Public Loss Assessor can put you in touch with flood restoration specialists many of whom are British Damage Management Association (BDMA) qualified, so they can restore your home to pre-loss conditions after flooding occurs.

Our recommended experts can first trace the source of water, if it has resulted from a leak and then stop any more water from flooding into the building by stopping the flow at the source. This is done before any restoration work is done so the water does not return. Water can encourage the growth of bacteria and mould, as well as damage electrical circuits and cause swelling on the walls that lead to cracks within the walls. Therefore, it is important that first the water flow is cut off.

Then, the flood damage repair process can begin. Using expert equipment, these flood restoration specialists will dry all materials in the property. The air will then be dried using large extractor fans that can eliminate any remaining water vapour which would cause the problems to arise again. For home properties, The recommended flood damage repair specialists will have to perform content manipulation to move your furniture away from the contaminated area for full sanitisation and drying.

After drying the property, they can then determine materials in the home that are most at risk for fungal growth and fostering bacteria. These materials will then be removed from the property and thoroughly sanitised, especially if they have absorbed more water than can be seen on the surface of the material. Electrical appliances are also more susceptible to damage and you can be compensated for these goods if they are irreparably damaged.

These flood restoration companies will always dry all affected materials to the moisture content levels advised by the British Standard, as well as ensuring the immediate and surrounding area has been restored to the pre-loss condition. Once this has been done, a certificate of dryness will be issued to fully certify that the restoration work done was to a high standard and adheres to all standards of health and safety.

If you have been affected by flooding and need flood restoration after your home or business has been affected by flooding, contact Public Loss Assessors who will also ensure that they will manage your insurance claim through its entirety.

Having Trouble with Cavity wall insulation problems? Usually with steel or wooden framed properties, there have been many occasions in which the insulation has been fitted into houses which is structurally unsuitable. Cavity wall insulation problems can also occur in brick or block work constructed properties near the coast as they are subject to wind-driven rain.

Leading to damage, reduced thermal performances and wetting of the cavity insulation, rainwater can penetrate the outer leaf of masonry under severe weather conditions. Resulting in areas of dampness, moisture is able to transfer from the outer to the inner leaves of the wall as there can be an increased risk of rain penetration if a cavity is filled with insulation.

It’s worth checking whether your home is at risk, even though cavity wall insulation causing damp can be rare. If there is a combination of these things, damp may occur in properties if:

Your home is exposed to severe rain

The external walls are poorly built

Your home is located in an unsheltered position

There can be gaps where the insulation hasn’t reached if it has been poorly installed. It may be recommended that it should be removed as it can cause damp.

It’s possible that urea-formaldehyde may have been injected into your cavity wall if you had it installed a long time ago. Through a combination of gas released from the foam and damp, it can become harmful to your health and over a number of years it will degrade.

Cold spots, possibly caused by areas of the wall that haven’t been insulated correctly

Damaged cavity wall insulation, due to flooding

Mould growth, due to the damp

Wet insulation, due to defective mortar and water penetration

Leading to damp, the cavity wall insulation can become wet and is likely to dry out when a property has been flooded. The high volume of water used to extinguish the flames in the event of a fire can also water-log the cavity wall insulation.

It is possible to remove the insulation, regardless of whether you have a mineral fibre, expanded polystyrene or urea-formaldehyde insulation. This is usually done by drilling back through the holes which were used for the original installation. A high-pressure vacuum machine is then used to suck the insulation out of the cavity.

If you have been suffering from cavity wall insulation problems visit www.mycavityclaim.com to find out if you are entitled to claim compensation from poor installation.

Public Loss Adjusters are a Claims Management team who have many years’ experience within the Insurance industry. We are experts in all areas of insurance claims including flood, fire and home insurance claims. We offer the general public a piece of mind as well as professional advice and guidance. With our expert knowledge and experience we are able to provide you with an outstanding outcome. As independent loss adjusters, we do not take instructions from your insurer so you can assured of a fair settlement. We offer a fully co-operative adjusting service making you feel comfortable and protected throughout your claim.

Our Claims Management team are loss adjusters that are experts in various fields. We can help you throughout your insurance claim, every step of the way. We advise the policyholder and the insurance company on all repair methods. After communicating with the policyholder, the expert’s work is to then speak with the insurance company in which speeds up the process of the insurance claim. All of our experienced Loss Adjusters.

Insurance Claims Management Services

We are able to fully service all of our client’s authority as well as using a direct approach to all involved. Loss Adjusters have much skill when it comes to insurance claims management. When your claim is in our hands we will fully discuss the circumstances of your claim with you and cover all important subjects. All aspects of the Insurance Claim will be handled by us. We will take you through the claim step by step giving you advice throughout.

We provide you with a cost-effective solution to a stressful situation. Our fully qualified Loss Adjusters can give clients advice on repair techniques as well as general information regarding your Insurance Claim. We will assess all of the damage and do our very best to make you feel most at ease. We also communicate with your Insurance Company. We have a very good reputation of providing our customers with a service delivered with excellence. We deliver a high level of professionalism to all our clients, as well as serving you on a personal approach. With expert Loss Adjusters across the UK, we are sure to have all you are seeking regarding your Insurance Claim.

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